PLEASE READ THESE TERMS OF USE (this “Agreement”) CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE.  First Federal Bank and/or its subsidiaries and/or its affiliated companies (herein referred to as “First Federal”, “we”, “us”, and/or “our”; the terms “we”, “us”, and/or “our” may also refer to contractors and service providers engaged by First Federal companies to support their business activities, as the context may require) own, operate, or control this website and the pages thereof (collectively, the “Website”) in order to provide information about and/or to deliver products and services offered by First Federal and for other business purposes.  We require all users and viewers of our Website to agree to the terms of this Agreement as a condition to accessing or using our Website. BY ACCESSING THIS WEBSITE OR USING THE SERVICES, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.  IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS WEBSITE.  WE MAY MODIFY THIS AGREEMENT AT ANY TIME AND FROM TIME TO TIME IN OUR SOLE AND ABSOLUTE DISCRETION WITHOUT NOTICE TO YOU.  YOU SHOULD PERIODICALLY REVIEW THIS AGREEMENT CAREFULLY IN ORDER TO MAKE SURE THAT YOU ARE AWARE OF THE MOST CURRENT TERMS AND CONDITIONS FOR THE USE OF OUR WEBSITE.  ANY USE OR VIEWING OF OUR WEBSITE BY YOU AFTER ANY CHANGE TO THIS AGREEMENT, WHETHER OR NOT YOU HAVE REVIEWED THE AMENDED AGREEMENT, CONSTITUTES YOUR ACCEPTANCE OF THE AGREEMENT AS CHANGED.  We may modify, suspend, restrict, or discontinue the operation, maintenance or provision of this Website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party.  Any rights granted to you herein shall terminate immediately should you violate any term or provision of this Agreement.  First Federal, in its sole discretion, reserves the right to terminate your access to and use of the Website at any time and for any reason whatsoever without notice.  First Federal will not be liable to you for any termination of your access to or use of the Website.

Product Availability and No Personal Advice. Not all products and services described in our Website are available in all geographic areas, and the terms of certain products and services may vary from geographic area to area.  You may not qualify for certain products and services, and we reserve the right to determine eligibility for any product or service.  Products and services described, as well as fees, charges, terms and conditions relating to such products and services, are subject to change without notice.  No information on our Website is intended as a legal offer or solicitation for the purchase of any security or financial instrument, product or service, and all products and services are subject to our eligibility and application requirements. Our products and services are offered only in jurisdictions where they may be lawfully offered.  No First Federal company is acting as an advisor or fiduciary in publishing any information on our Website. The Website is not intended to provide legal, tax, investment, or insurance advice. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult a qualified advisor in the event you should need legal, tax, or accounting advice with respect to any specific circumstances. This Website and/or any products, services or information described or provided therein are not intended to be distributed or made available to or used by any person or entity in any jurisdiction, state or country where such distribution, availability or use would violate applicable law.

Site Property.  You acknowledge and agree that First Federal, our licensors, and/or our service providers own all rights to this Website and the content and works of authorship displayed on the Website, including, without limitation, text, software, photos, images, audio, video and graphics (collectively, the “Site Property”). You are authorized to access, view and use the Site Property only for your own informational, noncommercial purposes, or as otherwise expressly permitted pursuant to the terms of this Agreement or pursuant to the express terms of use regarding any specific product or service available through the Website. Unless otherwise expressly authorized, you may not copy, reproduce, retransmit, disseminate, display, publish, sell, broadcast, circulate, distribute, commercially exploit, or create derivative works from any Site Property in any form. You further agree not to reverse engineer or reverse compile any of our technology associated with the Site Property.  You further acknowledge and agree that the First Federal names and logos and all related product and service names, design marks and slogans, as well as other trademarks and service marks, trade names, and trade dress appearing on the Website (collectively, the “Marks”) and related intellectual property rights in the products and services are proprietary and the property of First Federal, our licensors and/or our service providers.  You are not authorized to use such Marks or related intellectual property rights in the products or services without our prior express written consent and/or the prior express written consent of the owner of the applicable Mark or related intellectual property rights in the products or services.  You acknowledge that, except as expressly provided in this Agreement, we have granted you no license or rights whatsoever in or to any Site Property, Marks or related intellectual property rights in the products or services, and we and/or our licensors and service providers retain all rights therein. First Federal reserves all rights not expressly granted in this Agreement.

The Website and its entire contents, features, and functionality (including but not limited to all web pages, user interfaces, information, design, software, source code, text, displays, graphics, images, videos, and audio recordings, and the design, selection, and arrangement thereof) are owned, controlled, or licensed by First Federal, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except as expressly provided in this Agreement, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Website for any commercial or public purpose without First Federal’s prior written consent. You may, however, view information available on the Website for your informational purposes.

Your use of the services, including the Website, imposes on you an obligation of appropriate use and conduct, which includes, but is not limited to, not causing an unreasonable or disproportionately large processing load on our services or systems, not engaging in any conduct that restricts or inhibits use of the services by others, and not introducing or transmitting any virus, worm, Trojan horse or other material that may harm or disrupt our services or systems. Unauthorized use of the services, our website and/or computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information or material posted on this Website, is strictly prohibited.  Any attempted unlawful use may subject you to liability for damages or criminal prosecution.

Compliance with Laws. You may use the services, including the Website, only for lawful purposes and you agree not to use the services in any way that violates any applicable federal, state, local, or international law or regulation. You agree not to use our Website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, obscene, or that infringes the rights of others.  You also agree that your use of our Website is personal to you and that you will not resell or assign use of our Website or make any unauthorized commercial use of our Website. You agree that we may display advertisements and promotions of all kinds on the Website. You agree not to use or attempt to use this Website or any part of this Website in any way or for any purpose that (i) attempts to probe, scan, or test the vulnerability of any services, systems, networks, servers, or accounts related to the Website, (ii) attempts to gain unauthorized access to materials, services, systems, networks, servers, or accounts connected or associated with the Website through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication, or security device of the Website, (iii) attempts to redeliver, reproduce, or circumvent any page, text, image, or materials on the Website (iv) transmits any harmful or disabling computer codes or viruses, (v) interferes with our network services; (vi) interferes with or induces a breach of the contractual relationships between First Federal and its customers or service providers; (vii) dilutes or depreciates the name and reputation of First Federal or any of its affiliates; or (viii) transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images, or (ix) otherwise interferes with the Website’s functionality.  With respect to your account and your online conduct, you agree to comply with all laws, rules, codes, and regulations of the United States, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, data security and privacy.

Links to Third Party Sites or Products. This Website may provide links to websites controlled by third parties who are not First Federal affiliates or subsidiaries. We hereby disclaim all liability for any other company’s website, content, information, materials, products, privacy policies, security or services offered at any of the third-party sites linked to this Website.  The availability of a link to another party’s Website is provided as a convenience, it does not constitute an endorsement or sponsorship of any third party or their products and/or services and does not create an affiliation or partnership between First Federal and any third party. You should also be aware that third parties have different security and/or privacy policies than First Federal and those third parties may treat your personal information differently than we do, and may have different information security practices.  In the event you choose to use the products or services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.  In addition, any advice, opinions, services, products or recommendations provided by the linked site providers are those of the providers and not of First Federal.  Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.

Maintenance of Services, Software and Equipment. You are responsible for obtaining and maintaining all services, software, and equipment necessary for you to access and use the Website. We are not responsible or liable to you for any errors or failures resulting from defects in or malfunction of your equipment, software, or services, nor are we responsible or liable to you for any virus, service malfunction, equipment failure, or related problems that may be associated with the use of an online system.  WE MAKE NO WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU REGARDING YOUR EQUIPMENT, SOFTWARE, OR SERVICES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Other Agreements. Different products, features and services available on our Website, and/or different pages or sections of our Website, may be subject to separate terms and conditions in addition to the terms and conditions of this Agreement.  In the event of any conflict, such separate terms and conditions will govern and control with respect to the corresponding product, feature, service, page or section.  This Agreement is not intended to affect or amend any agreement or contract between you and any First Federal company for the provision of any particular financial product or service, and our relationship with you as to such particular financial product or service shall be governed by the written terms of the agreement or contract contemplating such financial product or service.  If you should link to or access any separate website maintained by any of the First Federal companies, you should review and will be subject to any terms and conditions applicable to the use of that particular website.  If you are a First Federal customer and access your account information or conduct transactions through this Website, the terms and conditions of the particular service supplement this Agreement. If the terms and conditions of this Agreement conflict with the agreement or disclosures governing the particular service you receive from us, the terms, conditions and disclosures governing that particular service will control.

No Warranty. We try to ensure that the information on this Website is accurate and up-to-date. However, we do not warrant information appearing on this Website or services provided through this Website for completeness, timeliness or accuracy.  YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF OUR WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.  WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

WE MAKE NO REPRESENTATION OR WARRANTY THAT (I) THE WEBSITE WILL MEET YOUR REQUIREMENTS, (II) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE, TIMELY, COMPLETE, ADEQUATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEBSITE WILL MEET YOUR EXPECTATIONS, AND/OR (V) ANY ERRORS WILL BE CORRECTED.  ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR EQUIPMENT OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY VIRUS OR OTHERWISE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU AGREE THAT WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY HARMS, INJURIES, CLAIMS, OR DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, RESULTING FROM (I) THE USE OF OR THE INABILITY TO USE THE WEBSITE, (II) THE COST OF OBTAINING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY OTHER PERSON USING OR ACCESSING OUR WEBSITE, (V) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUS OR LINE OR SYSTEM FAILURE, AND/OR (VI) ANY OTHER MATTER RELATING TO THE WEBSITE OR YOUR USE THEREOF.

IF YOU LIVE IN A JURISDICTION THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

EXCEPT WHEN CAUSED BY OUR INTENTIONAL MISCONDUCT OR WANTONNESS, YOU AGREE TO INDEMNIFY, PROTECT AND FULLY COMPENSATE US, OUR SERVICE PROVIDERS, AND OUR LICENSORS FROM ANY AND ALL THIRD-PARTY CLAIMS, LIABILITY, DAMAGES, EXPENSES AND COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEYS FEES, INCLUDING SUCH COSTS AND FEES ON APPEAL, IF ANY) CAUSED BY OR ARISING FROM YOUR USE OF THE WEBSITE, YOUR VIOLATION OF THIS AGREEMENT OR YOUR INFRINGEMENT OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY.

Privacy Policy, Information Security and Online Fraud. Your use of the Website, products or services is subject to our Security and Privacy Statement Policy.  By accessing or using the Website, the products  or the services, you understand and agree that First Federal may collect and retain personal or other information about you or the device you use to access the Website, products or services.  Please review our Security and Privacy Statement Policy and suggestions for protecting the security of your personal information online. Please contact us immediately if you believe that you have been a victim of fraud or identity theft involving an account with us.

We take commercially reasonable measures to protect the security of information electronically transmitted to us through the use of customer service information forms integrated into our Website.  However, we advise you to exercise caution when sending us email as such transmissions may not be secure.  For example, email may be intercepted by a third party or may not be immediately received by the designated person or department.  Please do not use email to send us confidential or privileged information (such as account numbers or financial information), information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means.  We will not be liable to you for any losses or damages incurred as a result of the interception or unauthorized use by any third party of any information transmitted by you via insecure email or as a result of your use of email for the transmission of, or our failure to respond to email that includes, information that we have required you submit through another express means or medium. If you communicate with us via email or via a messaging application within our Website, you may receive an automated response acknowledging that you have transmitted a message to us. However, the automated response does not mean that we actually have received, reviewed, or taken any action in response to your message or that we have committed to take any action in response to your message. You are welcome to contact us directly by telephone during our business hours at our Customer Service Call Center.

Your individual access and use of our Website may be monitored and recorded for First Federal’s internal business purposes, without liability. You acknowledge and agree that when you submit any information to us through our Website you are submitting such information to all of the First Federal companies collectively and that such information may be disclosed and transferred among such companies and their respective agents and service providers, subject to the provisions of applicable law. You further agree that we may disclose any information you submit (i) if we have a right or duty to do so, (ii) if we are compelled or permitted by law to do so, (iii) as directed by you, and/or (iv) as necessary to provide you with products or services you have requested.  Any information, feedback, questions, concepts, comments, suggestions, ideas or the like which you send to us by or through our Website, or at any email address we have provided at our Website, will be treated as being nonconfidential and nonproprietary as to you, and we will be free to use the same or any information contained therein for any purpose whatsoever (including, without limitation, for the purposes of developing and marketing products and services) without paying any compensation to you, and the same shall be deemed our property upon receipt.  Nothing herein shall be construed as limiting the responsibilities and obligations as set forth in our Security and Privacy Statement Policy.   The terms of this Agreement also are supplemented by our Security and Privacy Statement Policy, the terms and conditions of which are incorporated herein by reference.

Miscellaneous. This Agreement constitutes the current, sole and entire agreement between you and us with respect to the use of our Website, and any and all prior terms of use with respect to the use of our Website are superseded by this Agreement.  You acknowledge and agree that no practice or course of dealing between you and any First Federal company, nor any oral representations by any First Federal representative, which vary the terms and conditions of this Agreement shall constitute a modification or amendment of the terms and conditions of this Agreement.  No failure by us to exercise, and no delay by us in exercising, any right or remedy shall operate as a waiver thereof.  If any provision of this Agreement or the application thereof to any person or circumstances shall, to any extent, be invalid or unenforceable, such provision shall be deemed automatically reformed to the extent, and only to the extent, necessary to render it valid and enforceable under applicable law; however, if such reformation of the provision is not reasonably possible, the provision shall be deemed severed from this Agreement with respect to the person or circumstances as to which such provision shall be invalid or unenforceable, and the remainder of this Agreement shall continue in full force and effect to the fullest extent permitted by law.  This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflicts of laws provisions or your actual state or country of residence, and applicable federal law. For purposes of any action, suit, or proceeding arising out of this Agreement, you expressly submit to the jurisdiction of all federal and state courts located in the State of Florida and agree that we, in our discretion, may require that Jacksonville, Florida, be the venue for any legal proceedings arising out of or related to this Agreement.  You waive and agree not to assert in any action, suit or proceeding that you are not personally subject to the jurisdiction of such courts, that the action, suit or proceeding is brought in an inconvenient forum or that venue of the action, suit or proceeding is improper.  The Website is hosted in the United States.  If you are accessing this Website from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws that govern personal data collection, use and disclosure.  In your use of this Website, products or services, you may transfer certain personal information to the United States.  You consent to that transfer and you consent to the application of United States law.  In the event that you should have any claim or cause of action against us arising out of your use of the Website, you agree that, regardless of any statute or law to the contrary, such claim or cause of action must be initiated or filed in a court of competent jurisdiction within one (1) year after accruing or be forever barred.